Contractors & Freelancers Insurance
Whether you're an IT contractor, management consultant, engineer, designer or independent specialist, clients rely on your expertise. The right insurance helps protect your professional work, your reputation and the contracts you take on.
Contractors and freelancers bring their skills and expertise to businesses, working to agreed requirements and taking responsibility for the services they provide.
Whether you're securing your first contract or running an established consultancy, your insurance should reflect the work you do, the clients you work with and the contractual responsibilities you take on.
For professionals including:
Different contracts call for different protection. Compare your options and choose the cover that fits your client requirements.
Protection against claims arising from professional advice, services or mistakes that cause a client financial loss.
From £8 a month
View Cover →Helps protect if someone is injured or their property is accidentally damaged because of your business activities.
From £5 a month
View Cover →Helps your business respond to cyber attacks, ransomware, data breaches and other digital threats.
From £5 a month
View Cover →Support with certain employment, contract and tax disputes, plus access to legal advice.
From £6 a month
View Cover →Helps protect directors and senior decision-makers against claims arising from decisions made while running the business.
From £5 a month
View Cover →Protection if an employee is injured or becomes ill through their work, and legally required for most UK employers.
From £5 a month
View Cover →Prices shown are average monthly equivalents of annual premiums. Your price will depend on your profession and the cover you choose. Monthly payments are available at 0% APR, with a higher first payment.
Working independently gives you more freedom over the clients you work with and the projects you take on, but it also means taking responsibility for the services you provide and the commitments you make.
Clients, agencies and end clients may require particular types of insurance or minimum limits before a contract begins.
A client could allege that an error, omission or problem with your advice, code, design or other professional services caused them financial loss.
Handling confidential information, relying on cloud services or using connected systems can create additional exposure if something goes wrong.
Client offices, events, meetings and shared workspaces can create Public Liability exposures if someone is injured or property is accidentally damaged because of your business activities.
Employing staff or other workers can bring additional responsibilities, including Employers' Liability requirements.
Tell us about your profession and see the cover available for your business.
Eligible policies include access to practical legal support and business resources to help with the everyday challenges of working independently.
Speak to qualified solicitors about business-related legal issues, including client contracts, commercial disputes, employment law and other everyday legal questions.
Access ready-to-use contracts, policies, procedures, guides and templates designed to help with the practical and legal side of running your business.
Still not sure? Call us on 01225 284968.
That depends on your profession, the services you provide and any requirements set by your clients.
Professional Indemnity and Public Liability are commonly relevant to contractors and freelancers, while Cyber, Legal Expenses, Employers' Liability and Directors' & Officers' may also be relevant depending on how your business operates.
Some clients, agencies and end clients require particular types of insurance or minimum limits before a contract begins.
Professional Indemnity and Public Liability are commonly requested, but requirements vary from contract to contract.
If a client alleges that an error, omission or problem with your professional services caused them financial loss, Professional Indemnity Insurance can help respond to the claim, subject to the policy terms.
It may still be relevant if you visit client premises, attend events, use shared workspaces or meet clients face to face.
It can be. If you hold client information digitally, rely on email or cloud systems, or use technology to deliver your services, Cyber Insurance can help with the financial and practical consequences of a cyber incident.
If you have no employees, Employers' Liability may not be required.
If you employ other people, it is legally required in most cases, subject to limited exemptions.
Yes. Monthly payments are available at 0% APR, with a higher first payment.
Online insurance available through Captivo is provided by Markel, a long-established specialist insurer supporting thousands of UK businesses across a wide range of professions and trades.
Full insurer and policy details are shown before you buy.
Explore the cover options available for your profession and choose what works for your business.